EX-99.1 2 annualmtgpresentation2019.htm 2019 ANNUAL MEETING PRESENTATION
Citizens Financial Services, Inc. Annual Meeting2019

Agenda Recap:2018 Accomplishments

Agenda Recap:2018 AccomplishmentsFinancial Performance

Agenda Recap:2018 AccomplishmentsFinancial PerformanceWhat is on the Horizon

2018 Accomplishments Voted #1 Bank in PA

2018 Accomplishments Voted #1 Bank in PAOpened abranch in Fivepointville, PA

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiative

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platform

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPay

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth Pillar

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and procedures

2018 Accomplishments Voted #1 Bank in PAOpened a branch in Fivepointville, PAContinued to build out our cash management initiativeConverted to a more efficient loan platformImplemented iPayImplemented Fifth PillarRefined processes and proceduresNamed as one of the top 100 Ag Lenders

2018 Financial Performance

Efficiency Ratio History-FCCB Finished in the 100th percentile compared to the CZFS peer group

Return on Equity History Finished in the 87th percentile compared to the CZFS peer group

Return on Assets History Finished in the 87th percentile compared to the CZFS peer group

Cash Dividends Paid History 1% stock dividend paid in 2014, 2016 & 2018, and a 5% stock dividend paid in 2017

Stock Total Return

20 4 Strategic Tenets Community – actively supporting the well-being of communities Customer Expectations – exceeding them at every point of contact Financial Performance – to produce exceptional shareholder value Growth – achieved throughrelationship and geographic expansion

What is on the Horizon Strategies for 2019:Market Segmentation for Growth

What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee Experience

What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and Support

What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and Brand

What is on the Horizon Strategies for 2019:Market Segmentation for GrowthEnhanced Employee ExperienceInfrastructure and SupportCustomer Experience and BrandFinancial Future

What is on the Horizon Employee Experience:

What is on the Horizon Employee Experience:Onboarding

What is on the Horizon Employee Experience:OnboardingCareer Pathing & Advancement

What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching Culture

What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRIS

What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational Values

What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAM

What is on the Horizon Employee Experience:OnboardingCareer Pathing & AdvancementCoaching CultureHRISOrganizational ValuesIn-House Talent / Next Generation TEAMHire to Retire

What is on the Horizon Customer Experience:

What is on the Horizon Customer Experience:Standardizing Cut-Off Time

What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening Experience

What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account Opening

What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-Approvals

What is on the Horizon Customer Experience:Standardizing Cut-Off TimeImprove Account Opening ExperienceOnline Account OpeningOnline Mortgage Pre-ApprovalsMobile Mortgage Applications

Retiring TEAM Members Phil Vaughn – 28 Years of Service

Retiring TEAM Members Terry Osborne – 44 Years of Service

Retiring TEAM Members Rudy van der Hiel – 44 Years of Service

Thank you